Rates That Yield to Your Budget

Annual Percentage Rate (APR) based on your credit 
Excellent Good Average Fair /
No Score
Marginal Poor
1 to 36 1.90% 2.70% 3.65% 6.85% 11.90% 14.70%
37 to 75 2.15% 2.85% 3.80% 7.00% 12.05% 14.85%
76 plus 3.75% 4.45% 5.40% 8.60% 13.65% 16.45%

Term restrictions may apply.

Monthly Payments You Can Afford


Monthly Payment Per $1,000 Borrowed

$42.85 (24 mo) $28.95 (36 mo)
$22.07 (48 mo) $17.90 (60 mo)
$15.13 (72 mo) $13.88 (84 mo)
$10.34 (120 mo) $8.98 (144 mo)

(Assuming good credit)

Vehicle Buyer’s Check

Ask about our convenient Vehicle Buyer’s Check for your dealership purchase. If you qualify, you can take advantage of this quick and easy option – simply complete the check, hand it to the dealer, and drive off in your new car!

Refinance to Drive Down Your Rates

By refinancing auto loans from other lenders, we’ve saved our members an average of $1,950 in interest on their car loans and lowered their monthly payments by as much as $50. If another financing institution can do better, we’ll refer you straight to them—we promise.

Ready to refinance? Have your original loan contract or payment book ready, and apply online or give us a call at (512) 498-CARS

Loan Terms for Every Vehicle

UFCU offers flexible loan terms. Please discuss your individual needs with one of our loan officers.

Protect Your Auto Investment

UFCU can help you cover what your auto insurance doesn’t, with Extended Warranties, GAP Protection for total auto loss and Debt Protection in case of unexpected life events.  

Find out more

Learn Before You Shop

The Wheels 101 Buyer’s Guide is designed to demystify the car buying process, so you can walk into the dealership confident, not confused. When you know your options ahead of time, you—not the dealer—can decide what’s right for you.

Read more

How much will you pay?

Loan Amount
Desired Term
Desired Payment
Desired Term

This information is provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.

Let us find your perfect car

UFCU Locate-to-Order
Pre-owned vehicles

Buy American for less

Invest in America 
Credit union discounts

Resources & Tools